Hi @PriyanshuJain! Sorry, for the late reply!
We begin our ACH export around 4 PM CT every business day. So, for example, if a transfer was created at 10 AM CT on a Sunday (non-business day), the transfer will export at 4 PM on the following Monday.
The user can cancel transfers within the Dwolla up until the export time. This can be determined by checking for the
cancel link in a transfer. If the link is present, it means the transfer hasn’t exported yet, and can be cancelled within Dwolla.
As for cancelling via the bank, that depends on the FI whether Users can dispute their transactions with the bank or not. If they do dispute it, then Dwolla receives an ACH return code which we have to honor and mark the transfer as
Here’s a helpful gist by Spencer where he writes about the different transfer scenarios and the webhooks sent for each, including ACH returns and late ACH returns.
Hope that helps! Let us know if you have any questions!